Finance Graduate

Work from anywhere, impact everywhere 

Diversity is at the heart of who we are at Xapo Bank. We’re a fully distributed team of over 180 Xapiens that work remotely from 40+ countries around the world. 

Our beginning: A world that enjoys economic freedom and wealth protection, no matter where you live or who is running your country.

To achieve that, we search the world for the best people for the job. We work hard, think globally, and inspire each other to learn and grow. We are committed to changing the way things are done.

Risk is inherent in all of our business activities and managing risk well is the responsibility of every Xapien. Sound risk management enables us to serve our customers and deliver value for our shareholders, and helps make Xapo a great place to work.

Although we are headquartered in Gibraltar, this is a full time, 100% remote position 
Work from anywhere!

 Our Graduate Program

We are searching for individuals at the start of their working life looking to propel their careers and make an impact in the Fintech, Banking, and Blockchain space. As part of our innovative business, you'll embark on a journey of professional growth, tackling real-world challenges, and shaping the future of Banking. From collaborating with top-tier professionals in this industry to leveraging cutting-edge technologies, this role promises a thrilling adventure filled with learning, creativity, and endless possibilities. 

The aim of our graduate programme is to equip you with skills and experiences deemed necessary to set you up for becoming a skilled Risk Practitioner within XAPO, with guidance and support from the team who run Risk Management.

Our Graduate Programme runs for a period of 12 months giving successful graduates the opportunity to become a full time Xapien once the programme has concluded. This role would therefore be a 12 month contract.

Position overview

Seeking a motivated, analytical Finance Graduate with an interest in digital assets and crypto banking. This is a chance to launch your career at a leading financial institution exploring blockchain and cryptocurrency. You'll gain hands-on experience in critical finance functions, contributing to the bank's financial health, accounting and reporting in the digital asset space, working with experienced professionals in a supportive environment with a structured development path.

The ideal candidate will possess strong analytical skills, a passion for process improvement, cryptocurrency, and a desire to learn and grow within a fast-paced environment.

Responsibilities

• Financial Reporting & Analysis: Assist in the preparation of accurate and timely financial reports, including daily, weekly, and monthly management information, , with a growing focus on the financial implications of our digital asset initiatives.
• Reconciliation & Control: Perform reconciliations of financial data and accounts, ensuring data integrity and adherence to internal controls and policies. This will include learning to manage and reconcile transactions related to both traditional and emerging digital asset products.
• Regulatory Compliance & Digital Assets: Assist in preparing financial data and reports required for regulatory submissions, ensuring compliance with relevant financial regulations and standards (e.g., IFRS, local banking regulations), particularly as they apply to crypto-related activities and new digital asset frameworks.
• Data Management & Blockchain Analytics: Support the collection, processing, and analysis of large datasets using various financial systems and tools. You'll also gain exposure to tools and techniques for analyzing blockchain data to extract meaningful financial insights.
• Process Improvement: Identify opportunities for process efficiencies and improvements within the finance function and contribute to their implementation, especially in streamlining financial operations related to new digital banking products
• Ad-hoc Projects: Participate in various ad-hoc finance projects and initiatives, gaining exposure to different aspects of financial management within the bank, including those directly related to our crypto banking strategy and product development.
• Collaboration: Work closely with other finance sub-teams and departments across the bank, including our innovation and digital asset teams, to support cross-functional objectives.

Skills needed

• Recent graduate or final-year student in Finance, Accounting, or a related field.
• Genuine interest in financial services, fintech, and/or cryptocurrency.
• Eagerness to learn and grow in a fast-paced, dynamic environment.
• Basic understanding of financial and accounting principles.
• Strong analytical and problem-solving mindset.
• Familiarity with Microsoft Excel or Google Sheets is essential.
• Excellent communication and interpersonal skills.
• Detail-oriented, with a strong sense of accuracy and responsibility.
• Comfortable working independently and collaborating with a team.
• Enthusiastic about developing skills in financial reporting, regulatory processes, and fintech tools.
• Exposure to ERP systems (e.g. NetSuite) is a plus, but not required.

Why work for Xapo?

IMPACT GLOBALLY, WORK REMOTELY.

• Shape the Future: Improve lives through cutting-edge technology, work 100% remotely from anywhere in the world.
• Great work-life balance: Build amazing things with a balance of autonomy and collaborative teamwork. Set your own work schedule and make use of a flexible PTO plan when you need to recharge. 
• Expect Excellence: Collaborate, learn, and grow with a high-performance team. Learn how you learn best - from books to conferences, you’ll get a yearly budget for your individual learning and development goals.

At Xapo, we prioritize consumer protection and adhere to regulatory requirements by ensuring that all Xapiens are accountable for upholding principles of fair treatment, transparency, and ethical conduct in their interactions with customers and stakeholders.

Xapo Device Policy
Consultants joining Xapo Bank must comply with the Xapo Device Policy, which governs the use of corporate-approved laptops under Corporate-Owned, Personally Purchased Device (reimbursed up to $1,500) or Corporate-Owned, Personally Enabled Device (personal device with enforced security controls).
All devices must meet security requirements, enroll in Xapo’s Mobile Device Management (MDM), and adhere to compliance rules. COPPD devices remain Xapo property with buyback options upon exit. COPED users agree to data control measures, including mandatory corporate data wipes.
Compliance with the Xapo Device Policy is mandatory for all consultants, onboarding will not proceed without adherence to the policy.